| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 2 de abril de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.641210 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 2/4/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 2/4/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 2/4/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 250,148.7 | 253,655.6 | 3,506.9 | 1.4 | -47,580.3 | -42,960.5 | 4,619.8 | -9.7 | 202,568.3 | 210,695.2 | 8,126.9 | 4.0 |
| 1. Activo externo 1/ | 250,148.7 | 253,655.6 | 3,506.9 | 1.4 | 8,221.3 | 11,618.9 | 3,397.6 | 41.3 | 258,369.9 | 265,274.6 | 6,904.7 | 2.7 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -54,579.4 | 1,222.2 | -2.2 | -55,801.6 | -54,579.4 | 1,222.2 | -2.2 |
| II. ACTIVOS INTERNOS NETOS | -66,438.1 | -73,953.3 | -7,515.2 | 11.3 | 482,439.5 | 490,382.2 | 7,942.7 | 1.6 | 333,291.3 | 338,057.7 | 4,766.4 | 1.4 |
| 1. Actividad crediticia | -15,061.6 | -14,508.5 | 553.1 | -3.7 | 442,571.7 | 450,163.0 | 7,591.3 | 1.7 | 427,510.1 | 435,654.5 | 8,144.4 | 1.9 |
| 1.1 Al Sector público neto | -17,119.7 | -16,566.6 | 553.1 | -3.2 | 34,243.3 | 34,315.0 | 71.7 | 0.2 | 17,123.7 | 17,748.4 | 624.7 | 3.6 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 416,627.4 | 7,540.3 | 1.8 | 409,087.1 | 416,627.4 | 7,540.3 | 1.8 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 307,650.5 | 5,205.2 | 1.7 | 302,445.3 | 307,650.5 | 5,205.2 | 1.7 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 108,976.9 | 2,335.1 | 2.2 | 106,641.8 | 108,976.9 | 2,335.1 | 2.2 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,292.4 | 1,271.8 | -20.6 | -1.6 | 1,299.3 | 1,278.7 | -20.6 | -1.6 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 810.7 | 0.0 | 0.0 | 817.7 | 817.7 | 0.0 | 0.0 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 461.0 | -20.6 | -4.3 | 481.6 | 461.0 | -20.6 | -4.3 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 69,956.0 | 66,122.0 | -3,834.0 | -5.5 | -30.8 | -22.6 | 8.2 | -26.6 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 12,714.1 | 12,217.7 | -496.4 | -3.9 | -9.2 | -8.9 | 0.3 | -3.3 |
| 4. Otros Activos Netos | 11,838.7 | 8,384.2 | -3,454.5 | -29.2 | -68,595.6 | -66,938.1 | 1,657.5 | -2.4 | -56,756.9 | -58,553.9 | -1,797.0 | 3.2 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -3,951.6 | 228.5 | -5.5 | -4,180.1 | -3,951.6 | 228.5 | -5.5 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -63,215.2 | -67,829.0 | -4,613.8 | 7.3 | 29,973.4 | 32,769.2 | 2,795.8 | 9.3 | -33,241.8 | -35,059.8 | -1,818.0 | 5.5 |
| 7.1 Con entidades públicas | -27,260.4 | -30,235.6 | -2,975.2 | 10.9 | 0.0 | 0.0 | 0.0 | 0.0 | -27,260.4 | -30,235.6 | -2,975.2 | 10.9 |
| 7.2 Otros inversionistas | -35,954.8 | -37,593.4 | -1,638.6 | 4.6 | 29,973.4 | 32,769.2 | 2,795.8 | 9.3 | -5,981.4 | -4,824.2 | 1,157.2 | -19.3 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 183,710.6 | 179,702.3 | -4,008.3 | -2.2 | 434,859.2 | 447,421.8 | 12,562.6 | 2.9 | 535,859.7 | 548,752.9 | 12,893.2 | 2.4 |
| IV. DINERO PRIMARIO | 170,987.3 | 167,475.7 | -3,511.6 | -2.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 101,331.1 | 330.6 | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 69,986.8 | 66,144.6 | -3,842.2 | -5.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 67,494.7 | 63,620.4 | -3,874.3 | -5.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,461.3 | 2,501.6 | 40.3 | 1.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 30.7 | 22.7 | -8.0 | -26.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 12,723.3 | 12,226.6 | -496.7 | -3.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 12,264.9 | 11,746.9 | -518.0 | -4.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 449.2 | 470.9 | 21.7 | 4.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.2 | 8.9 | -0.3 | -3.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 101,000.5 | 101,331.1 | 330.6 | 0.3 | 115,387.0 | 114,032.6 | -1,354.4 | -1.2 | 216,387.4 | 215,363.7 | -1,023.7 | -0.5 |
| 1. Numerario en circulación | 101,000.5 | 101,331.1 | 330.6 | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 101,331.1 | 330.6 | 0.3 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 114,032.6 | -1,354.4 | -1.2 | 115,387.0 | 114,032.6 | -1,354.4 | -1.2 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 245,859.9 | 7,592.0 | 3.2 | 238,267.9 | 245,859.9 | 7,592.0 | 3.2 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 101,331.1 | 330.6 | 0.3 | 353,654.9 | 359,892.6 | 6,237.7 | 1.8 | 454,655.4 | 461,223.6 | 6,568.2 | 1.4 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 32,327.0 | 2,144.5 | 7.1 | 30,182.5 | 32,327.0 | 2,144.5 | 7.1 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 55,202.2 | 4,180.4 | 8.2 | 51,021.8 | 55,202.2 | 4,180.4 | 8.2 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 87,529.2 | 6,324.9 | 7.8 | 81,204.3 | 87,529.2 | 6,324.9 | 7.8 |
| XII. MEDIOS DE PAGO TOTALES | 101,000.5 | 101,331.1 | 330.6 | 0.3 | 434,859.2 | 447,421.8 | 12,562.6 | 2.9 | 535,859.7 | 548,752.8 | 12,893.1 | 2.4 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 729.6 | 113.6 | 18.4 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 1,353.2 | 180.5 | 15.4 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 11,731.3 | 4,346.0 | 58.8 | -.- | -.- | -.- | -.- |